<TABLE> <S> <C>

<ARTICLE>                                            9
<LEGEND>
THE FOLLOWING SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE
FINANCIAL STATEMENTS CONTAINED IN THE REGISTRANT'S QUARTERLY REPORT ON FORM
10-QSB FOR THE PERIOD ENDED MARCH 31, 2000 AND IS QUALIFIED IN IT'S ENTIRETY
BY REFERENCE TO SUCH FINANCIAL STATEMENTS
</LEGEND>

<S>                             <C>
<PERIOD-TYPE>                   3-MOS
<FISCAL-YEAR-END>                              DEC-31-1999
<PERIOD-END>                                   MAR-31-2000
<CASH>                                                  888
<INT-BEARING-DEPOSITS>                                 473
<FED-FUNDS-SOLD>                                        975
<TRADING-ASSETS>                                          0
<INVESTMENTS-HELD-FOR-SALE>                           16402
<INVESTMENTS-CARRYING>                                16335
<INVESTMENTS-MARKET>                                  15788
<LOANS>                                               37984
<ALLOWANCE>                                             564
<TOTAL-ASSETS>                                        74598
<DEPOSITS>                                            54495
<SHORT-TERM>                                              0
<LIABILITIES-OTHER>                                    1272
<LONG-TERM>                                             1000
<PREFERRED-MANDATORY>                                     0
<PREFERRED>                                               0
<COMMON>                                                  18
<OTHER-SE>                                            17831
<TOTAL-LIABILITIES-AND-EQUITY>                        74598
<INTEREST-LOAN>                                         744
<INTEREST-INVEST>                                       503
<INTEREST-OTHER>                                         41
<INTEREST-TOTAL>                                       1288
<INTEREST-DEPOSIT>                                      504
<INTEREST-EXPENSE>                                      558
<INTEREST-INCOME-NET>                                   730
<LOAN-LOSSES>                                             15
<SECURITIES-GAINS>                                        0
<EXPENSE-OTHER>                                         746
<INCOME-PRETAX>                                        (20)
<INCOME-PRE-EXTRAORDINARY>                             (20)
<EXTRAORDINARY>                                           0
<CHANGES>                                                 0
<NET-INCOME>                                              7
<EPS-BASIC>                                          0.01
<EPS-DILUTED>                                          0.01
<YIELD-ACTUAL>                                         3.91
<LOANS-NON>                                             186
<LOANS-PAST>                                            697
<LOANS-TROUBLED>                                          0
<LOANS-PROBLEM>                                         524
<ALLOWANCE-OPEN>                                        549
<CHARGE-OFFS>                                             0
<RECOVERIES>                                              0
<ALLOWANCE-CLOSE>                                       564
<ALLOWANCE-DOMESTIC>                                    564
<ALLOWANCE-FOREIGN>                                       0
<ALLOWANCE-UNALLOCATED>                                   0


</TABLE>